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The Role of ICT in the Effect of Financial Access on Inclusive Education in Sub-Saharan Africa

Author

Listed:
  • Simplice A. Asongu

    (Yaoundé, Cameroon)

  • Peter Agyemang-Mintah

    (Abu Dhabi, United Arab Emirate)

  • Therese E. Zogo

    (Yaoundé, Cameroun)

  • Joseph Nnanna

    (Abuja, Nigeria)

Abstract

This study assesses the role of ICT in moderating the influence of financial access on inclusive education in forty-two countries in sub-Saharan Africa. The empirical evidence is based on Generalized Method of Moments. The following main findings are established. First, fixed broadband subscriptions moderate the credit channel to induce a positive net effect on inclusive “primary and secondary education†. Second, mobile phone penetration and fixed broadband subscriptions moderate both the deposit and credit channels to impact inclusive secondary education positively. Third, all ICT dynamics moderate the credit and deposit mechanisms to induce positive net effects on inclusive tertiary education. ICT policy thresholds for complementary policies are provided and discussed.

Suggested Citation

  • Simplice A. Asongu & Peter Agyemang-Mintah & Therese E. Zogo & Joseph Nnanna, 2026. "The Role of ICT in the Effect of Financial Access on Inclusive Education in Sub-Saharan Africa," Working Papers 26/039, European Xtramile Centre of African Studies (EXCAS).
    • Handle: RePEc:exs:wpaper:26/039
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    File Function: Revised version, 2026
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    JEL classification:

    • I30 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General
    • L96 - Industrial Organization - - Industry Studies: Transportation and Utilities - - - Telecommunications
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O55 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Africa

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